Skip to main content

like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

Get Started with Elements

I’m interested in...

Special Offers

Keep Pace with the Changing Rate Environment

12- and 24-MONTH FLEX RATE CERTIFICATES

Adjust with Prime Rate minus a margin of 3.00% 5.19 % APY1 Race to Get Our Best Rate

Learn More Open a Flex Rate Certificate

Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

6-Month Intro Rate 4.99 % APR2
Then as low as 8.00 % Variable APR
on New Home Equity Lines of Credit

Learn More Apply Now

Spice Up Your Ride With a Limited Time Offer

Special Auto Loan Offer

Rates as low as 5.49 % APR3 When you buy or refinance a new or used vehicle4

Learn More Apply Now

In the Community

Our Commitment to Community Impact

Eight years ago, we established our annual Purpose Day—a day dedicated to giving back to the neighborhoods our members call home. On Monday, October 14, our team stepped away from the office to volunteer with six different nonprofit organizations, putting our purpose into action.

Purpose Day 2024

Partner with Elements

Band of Believers in Elements Financial

We’re Building a Band of Believers in Financial Wellness

For over 80 years, Elements Financial Federal Credit Union has been the trusted financial services partner of Eli Lilly. Today we serve the employees of over 150 companies around the U.S.

Join Our Movement

Top Leadership Role Announced

John Huesing named President & CEO

John Huesing named President & CEO

The Board of Directors of Elements Financial has appointed John Huesing, an experienced finance professional, to serve as President & Chief Executive Officer. Huesing brings a wealth of knowledge and expertise to this position, coupled with a strong record of leadership.

Learn More

Focused on Your Financial Wellness

We're like a bank, only better. Better Rates. Fewer Fees. Trusted Advice. Fresh Approach. Respected Locally. Accessed Globally. High Tech. Human Touch.

Elements Financial is a credit union. What's a credit union? Glad you asked! A credit union is a not-for-profit financial institution that's owned by its members. That means we offer all the same products as a bank, but our profits are returned to our member-owners in the form of reduced fees, higher savings rates and lower loan rates.

About Elements

As a non-profit, member-owned credit union, Elements Financial has the ability to do some pretty amazing things for our members. While offering all the products, services and technologies of a conventional bank, our unique business model allows us to return profits to our member-owners in the form of reduced fees, higher savings rates and lower loan rates.

Dependability and innovation: these twin concepts work in harmony to help Elements deliver financial wellness to members. Our practical financial advice is dependable enough to have earned us a ranking among the top 4% of credit unions in the U.S., with more than 100,000 members and $2.0 billion in assets. Our spirit of innovation spurs us to constantly search for better and more convenient amenities for our partners, such as holding financial workshops at their workplaces and online.

See Financial Resources

Elements Financial Federal Credit Union has been a part of the Central Indiana community since 1930. We’re proud of the respect and reputation we’ve earned in our community during those 90+ years. We’re also proud to offer our members access to our services wherever they go, with 78,000+ surcharge-free ATMs and 5,000+ shared branches worldwide.

Find an ATM or Branch

With digital services in place, we can offer convenience and ‘round-the-clock service through many channels; however, we never want that service to become cold and impersonal. We feel that we’ve gotten the formula right at Elements: modern technology made personal by 24/7 human support. Our purpose is to empower members to achieve financial success, and we have balanced resources to achieve that.

Learn more about Online Banking

  1. 1 Flex Rate Certificate (Variable Rate) Annual Percentage Yield (APY) effective as of October 1, 2024, and may change without notice. The dividend rate and APY are based on the current Prime Rate index as published in the Wall Street Journal minus a margin of 3.00%. The dividend rate and APY are variable and will adjust the next business day following a change in Prime Rate index. The minimum floor APY for the flex rate certificates is 0.00% and the maximum APY will never be greater than 17.00%. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Health Savings account funds are not eligible. Fees may reduce earnings. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
  2. 2 Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 4.99% is for new Home Equity Lines of Credit only and is for the first six months. HELOC modifications, renewals and increases that utilize the same property are not considered new and are not eligible for the introductory rate. To receive the Introductory rate, a draw of at least $10,000 must be made within 30 days of account opening. After the introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of October 1, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, title search or title abstract, credit report, recording fees, and a simple valuation. You may be required to pay other costs such as taxes, and when required, appraisal fees. However, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee in the amount of the Closing Costs originally waived. These costs vary by state and property type. Elements Financial reserves the right to modify or end this offer at any time. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.
  3. 3 Rates effective October 25, 2024, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. Promotional rate includes 1.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. First payment due 90 days from loan funding. Interest charges begin accruing as of the loan funding date. APR calculation and example monthly payments in Auto Loan rate table based on loan amount of $30,000, FICO® score of 730 or greater, term of 48 months, and the loan being a purchase or non-Elements Financial auto loan refinance. Payment shown does not include taxes or insurance premiums. Additional conditions may apply. Subject to credit approval. Offer available for auto loans closed October 25 – November 12, 2024. Third-party refinance vendor transactions are not eligible for current promo rate. Elements Financial refinances subject to $200 refinance fee. FICO score less than 640 not eligible for promotional rate or 90 days to first payment. Elements may end offer at any time.
  4. 4 Elements Financial refinances subject to $200 refinance fee.